The article explores the growing trend of using AI financial advisers, like Cleo AI and Bright, as cost-effective alternatives to human money managers, especially among younger users. These AI tools, which connect to users' bank accounts via Plaid, aim to help manage spending, pay off debt, and build credit. However, the author found that while Cleo AI offered some engaging insights, it often focused on upselling services like cash advances, which could lead to more short-term debt rather than solving financial issues. Cleo's revenue largely comes from these advances and subscriptions, raising concerns about its effectiveness as a financial solution. Bright, on the other hand, offers larger loans but at a higher subscription cost and with more errors in its advice. The article highlights the potential pitfalls of relying on AI for financial management, emphasizing the need for careful consideration of these tools' limitations.